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Good news-- Abbey have paid out today, all charges have been returned, including those over 6 years old, leaving me £1700 better off. I only sent the court bundle in last week, so am amazed at the quick settlement, the hearing wasn't set until April.

Not checked this thread since my last post. Thanks for the moral support guys, my bundle is all ready to go now, watch this space.

The_Phoenix, Just read that last post-- thats great, thanks for that info. I have also just found this in the faq; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6 which is helpful. lets go for the full whack, eh? nothing to lose and all that.

Thanks for the prompt replies folks, Cheddar, I do have a hearing date, I have been reading around the site off and on for some time, its just a bit of a minefield! I'll do a bit more searching though, and see what relevant info I can find. The_Phoenix, Gotcha, cheers. it seems that some of the charges I am claiming against are still going back 6 months beyond this date too... dunno what I was thinking.

Hi, I've been a bit slow getting all my stuff together for my claim against Abbey, I first wrote to them asking for all my fees to be returned back on March 06, I threatened them with Court action, but never actually went any further until last November, I am currently in the process of assembling my court bundle, and am a bit concerned/confused about the 6 year limit, as a number of the charges I was originally claiming for (back in March '06) have now passed this limit--- my first charge was in September '99. This upsets my actual stated claim sum by around £300-- so, anyway, my query is this-- Can I only claim for 6 years from the start of court proceedings? or can this be from the start of the correspondance? How do I go about changing my claim amount? just in a covering letter with my bundle? why can't I claim beyond 6 years, and if I tried, would Abbey be likely to use this in defence? Your help would be appreciated!

Hmph, he sent them to me! just totted up my charges and they come to just under £1000... time to get filing...

Sorry for the delay in responding. I havn't actually submitted a DPA, but as my local branch manager promised me all the charge details I requested, I decided to leave it at that (for now), however, he still hasn't recieved these, and has since, once again, promised them as soon as they arrive. Therefore, i'd like to start the claim now, and simply say "no more than £4800" .. or do you think I should wait? do you suggest I do the N1 form bacause you thought they hadnt adheared to the DPA, or for another reason? will the charges be the same for submitting an N1?

just filling in the MoneyClaim.gov form, does this all sound OK? obviously I've butchered the copy from the library, but as I don't know exactly what I'm claiming, I've had to reword it slightly. My main concerns are the bit at the bottom regarding interest, and the bits I've changed for the "no more than £4800" -- Ie; the only bits I've ammended. your thoughts would be appreciated. hope to be submitting this Friday.

Good for you! well done for standing your ground.

I was waiting for all my statements before I proceeded with starting a claim. As these havn't arrived in the timescales promised, I'm going to send this letter off to the bank manager today: Dear Mr Abbey, Thank you for your letter dated 25th February. I am sorry to hear that you are unable to refund these charges. In your letter you refer to the terms and conditions I agreed to when opening the account. It is also an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law, and, as stated in my original letter, the charges applied on my account are punitive in nature and therefore not enforceable at English law. As we disagree on this matter, you leave me no choice but to start proceedings for recovery in the county courts as previously stated. As I am still waiting for the details of all charges to my account which you promised to pass on to me in your previous letter. If I have not received these in the next 7 days I will start proceedings without them, and make a formal Subject Access Request, as suggested by yourself. Cheers, cHEM. -- any thoughts? anything else I should add?

Sure, I realise this, and don't particularly like the idea of taking it to court (although I'm sure some of the more confrontational people here would thrive on it). However, I do like the idea of getting back the £1500+ I've paid out over the last few years in charges, so I'm going to run with it.

OK, I had my first proper response today from my local branch manager, as follows (complete with spelling mistakes) So, any thought? I guess I just wait for my statements and get on with making the claim, should I write back to the bank manager with any kind of response do you think, or just get on with it?

Of course! I've been following the thread over on MSE with interest, thought it was my turn...

Of course! I've been following the thread over on MSE with interest, thought it was my turn...